Los Angeles, CA Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Los Angeles, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 World Way, Los Angeles, CA, 90045 5891A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 6.20% offering Auto Loan at 3.64%, Actors Federal Credit UnionActors Federal Credit Union5757 Wilshire Blvd, Los Angeles, CA, 90036 3684A-5.0 ★Texas Ratio: 15.01% offering New & Used Auto Loan at 3.74%, Certified Federal Credit UnionCertified Federal Credit Union700 N Alameda St, Los Angeles, CA, 90012 3352A+5.0 ★Texas Ratio: 1.20% offering New + Used Vehicle Loans at 3.99%, SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit Union5757 Wilshire Blvd Ste 124, Los Angeles, CA, 90036 3792A+5.0 ★Texas Ratio: 2.87% offering 2025 & Newer Model Years Auto Loan at 3.99%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Los Angeles has 26 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 500 World Way, Los Angeles, CA, 90045 5891. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Los Angeles, California. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Los Angeles, California & Surrounding Area
Los Angeles Auto Loan Rates
As Low As
As Low As; 2025 & Newer
As Low As
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Includes a 0.50% discount when you have at least $750 monthly direct deposit to your CU SoCal Checking Account and an additional 0.25% discount as a Rewards+ Loyalty Program Member. Your APR may vary based on applicant's creditworthiness, loan amount, and loan term. If discount requirements are not met or are discontinued, the APR will be higher.
As Low As
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
As Low As; 2025 & Newer
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
100% financing of purchase price, tax and license
As Low As
As Low As
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
As Low As
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Published APR range: 4.59% - 18.00%. New
Published APR range: 4.59% - 18.00%. New
Published APR range: 4.59% - 18.00%. New
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
As Low As; 2022 - 2024*
Max APR: 13.64%
Published APR range: 4.65% - 18.00%. Year of Vehicle: 2016 or Newer; As Low As; Rate applies to loans for 2016 or newer vehicles.
Loan Amount: $2,500+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As
Financing: 100%
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
APR (with discount) as low
APR (with discount) as low
APR (with discount) as low
APR (with discount) as low
Published APR range: 4.74% - 18.00%. Year of Vehicle: 2016 or Newer; As Low As; Rate applies to loans for 2016 or newer vehicles.
Published APR range: 4.74% - 18.00%. Year of Vehicle: 2016 or Newer; As Low As; Rate applies to loans for 2016 or newer vehicles.
As Low As; New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $2,500. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Loan Amount: $2,500+
Max APR: 13.89%
Max APR: 13.89%
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 and 84 months is $25,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
100% financing of wholesale Kelley Blue Book for autos over 6 years old
APR As low as*
APR As low as*
APR (with discount) as low
APR (with discount) as low
APR As low as*
APR As low as*
APR (with discount) as low
APR (with discount) as low
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. New Auto
Published APR range: 4.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Published APR range: 4.99% - 18.00%. Used
Published APR range: 4.99% - 18.00%. Used
Published APR range: 4.99% - 18.00%. Used
Published APR range: 4.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
Additional APR listed for this product: 5.24%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 5.24%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 5.24%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Maximum Financing: 100% of MSRP + tax, lic, GAP; Standard APR: 5.59%
Financing: 100%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Max APR: 14.14%
Loan Amount: $2,500+
Loan Amount: $2,500+
Published APR range: 5.19% - 18.00%. Used Auto
Published APR range: 5.19% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As
Financing: 100%
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Over $30,000.00
APR As low as*
APR As low as*
APR As low as*
APR As low as*
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Published APR range: 5.24% - 18.00%. Year of Vehicle: 2021 or Newer; As Low As; Rate applies to loans for 2021 or newer vehicles.
New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $8,500. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
Additional APR listed for this product: 5.49%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Maximum Financing: 100% of MSRP + tax, lic, GAP
Max APR: 11.29%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Loan Amount: $5,000+
Loan Amount: $2,500+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 and 84 months is $25,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Maximum Financing: 100% of MSRP + tax, lic, GAP; Standard APR: 5.99%
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $10,000. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
Additional APR listed for this product: 5.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Financing: 100%
Max APR: 11.54%
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Loan Amount: $5,000+
Loan Amount: $15,000+
Published APR range: 5.69% - 18.00%. New Auto
Published APR range: 5.69% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Over $30,000.00
APR (with discount) as low
Vehicles older than 7 years are subject to additional 1% APR. Cannot be combined with any other offers or promotions.
APR (with discount) as low
Vehicles older than 7 years are subject to additional 1% APR. Cannot be combined with any other offers or promotions.
Maximum Financing: 100% of MSRP + tax, lic, GAP
Maximum Financing: 100% of KBB Retail + tax, lic, GAP; Standard APR: 6.24%
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $15,000. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
Additional APR listed for this product: 5.99%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Maximum Financing: 80% of Purchase Price
Maximum Financing: 90% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
APR As low as*
APR As low as*
Published APR range: 5.99% - 18.00%. Used Auto
Published APR range: 5.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Maximum Financing: 100% of MSRP + tax, lic, GAP
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Financing: 100%
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Loan Amount: $15,000+
Los Angeles New Auto Auto Loan Rates
As Low As
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
100% financing of purchase price, tax and license
As Low As
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 4.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Max APR: 13.64%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
APR (with discount) as low
APR (with discount) as low
As Low As; New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $2,500. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 13.89%
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 and 84 months is $25,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
APR As low as*
APR As low as*
APR (with discount) as low
APR (with discount) as low
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. New Auto
Published APR range: 4.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Published APR range: 5.19% - 18.00%. Used Auto
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Over $30,000.00
APR As low as*
APR As low as*
New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $8,500. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
As Low As
Maximum Financing: 100% of MSRP + tax, lic, GAP
Max APR: 11.29%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 and 84 months is $25,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $10,000. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
Additional APR listed for this product: 5.74%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Published APR range: 5.69% - 18.00%. New Auto
Published APR range: 5.69% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Over $30,000.00
APR (with discount) as low
Vehicles older than 7 years are subject to additional 1% APR. Cannot be combined with any other offers or promotions.
Maximum Financing: 100% of MSRP + tax, lic, GAP
New vehicles: Any current year or previous year models with less than 10,000 miles. Minimum Amount Financed: $15,000. Rate And Term Dependent on Loan Amount. Maximum Loan amount financed - NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max). Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
Maximum Financing: 80% of Purchase Price
Maximum Financing: 90% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
APR As low as*
Published APR range: 5.99% - 18.00%. Used Auto
Maximum Financing: 100% of MSRP + tax, lic, GAP
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Los Angeles Used Auto Auto Loan Rates
As Low As
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
APR (with discount) as low
APR (with discount) as low
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Max APR: 13.89%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 and 84 months is $25,000
100% financing of wholesale Kelley Blue Book for autos over 6 years old
APR As low as*
APR As low as*
APR (with discount) as low
APR (with discount) as low
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. Used Auto
Published APR range: 4.99% - 18.00%. New Auto
Published APR range: 4.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
Additional APR listed for this product: 5.24%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 5.24%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Additional APR listed for this product: 5.24%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Maximum Financing: 100% of MSRP + tax, lic, GAP; Standard APR: 5.59%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
Max APR: 14.14%
Published APR range: 5.19% - 18.00%. Used Auto
Published APR range: 5.19% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
APR As low as*
APR As low as*
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Additional APR listed for this product: 5.49%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 and 84 months is $25,000
Maximum Financing: 100% of MSRP + tax, lic, GAP; Standard APR: 5.99%
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
Max APR: 11.54%
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Published APR range: 5.69% - 18.00%. New Auto
APR (with discount) as low
Vehicles older than 7 years are subject to additional 1% APR. Cannot be combined with any other offers or promotions.
Maximum Financing: 100% of KBB Retail + tax, lic, GAP; Standard APR: 6.24%
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
Additional APR listed for this product: 5.99%. Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
APR As low as*
Published APR range: 5.99% - 18.00%. Used Auto
Published APR range: 5.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As low as; Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Los Angeles, CA Auto Loan Rate Trends
Compare local Los Angeles, CA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California new auto rates rose 0.109 points over the past 7 days to 5.694% APR.
California used auto rates fell 0.033 points over the past 7 days to 5.965% APR.
Los Angeles, CA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current California figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average California APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.69% APR CA average | Used Auto @ 5.96% APR CA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.86/mo | $289.74/mo | $1.88/mo |
| $25,000 | $479.77/mo | $482.91/mo | $3.14/mo |
| $35,000 | $671.68/mo | $676.07/mo | $4.39/mo |
| $45,000 | $863.59/mo | $869.23/mo | $5.65/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Los Angeles, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Los Angeles, California locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in California. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Los Angeles, California high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Los Angeles, California CD rates lock in a guaranteed return until you’re ready to buy
Los Angeles, California Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $576 monthly car payment works out to roughly 16.5% of the median individual income in Los Angeles, California. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Los Angeles, California, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Los Angeles, California. We’ve prefilled the APR with today’s CA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Los Angeles, California auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Los Angeles, California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Los Angeles, California. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Los Angeles, California
How does my credit score affect my car loan rate in California?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Los Angeles, California?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Los Angeles, California?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Baxter Credit Union: 3.64% (Auto Loan)
- Actors Federal Credit Union: 3.74% (New & Used Auto Loan)
- Certified Federal Credit Union: 3.99% (New + Used Vehicle Loans)
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Auto Loan)
Los Angeles, California Rates & Resources
